changing cards...does it count?

changing cards...does it count?

Hello, I recently (month ago) changed my Citi select to a Hilton Reserve Visa over the phone, same CL no problems....also got a Amex SPG (new) I applied for a Capital One Venture one card and was denied for having too many recent pulls on my CR....not gettng that, does the Citi swap count as new?? Since turned down from cap1 I wanted to try the Barclay Arrive card BUT I already have the iTunes and NFL from them and not sure how many accounts they would allow (9,500 and 7,300 CL respectively on both with a $3,000 interest free balance for a year on the iTunes card) my FICO on my Walmart says 805....any advice on Barclay? And of course oringinal question of Citi, is that a "pull" on my report? thanks.....

Re: changing cards...does it count?

thanks for the reply ElCamino, YES car in January, did not even think of that WOW ....generally I do have a lot of cards...oldest from the 80's and still using it...specific to citi that card is about 4 years old, barclay itunes is probably 4 years and NFL is from this past Dec.....so now thinking of the car....how long for that to drop off so I could apply for arrive? Thanks again did not even think of the car loan.....

Re: changing cards...does it count?

odd_dog wrote:

thanks for the reply ElCamino, YES car in January, did not even think of that WOW ....generally I do have a lot of cards...oldest from the 80's and still using it...specific to citi that card is about 4 years old, barclay itunes is probably 4 years and NFL is from this past Dec.....so now thinking of the car....how long for that to drop off so I could apply for arrive? Thanks again did not even think of the car loan.....

Typically, you want to wait 6 months to a year for the inquiries to age. Depends on the lender and your credit scores.

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IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.